All About Buying a House in Des Moines, IA

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Get Familiar with the Lay of the Land in Des Moines, IA

Thinking about buying a home in Des Moines? Congratulations! You've chosen an energetic city with a dynamic selection of educational opportunities, businesses, and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We support 3.8 million customers from coast to coast and are familiar with the ins-and-outs of the Des Moines housing market.

Des Moines is growing by the day, which means Des Moines homes don't always come cheap. Sustained support for local businesses and cultural growth have helped to beckon entrepreneurs, retirees, and new graduates to the Des Moines area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Despite this, Des Moines and its neighboring areas still offer a variety of homes in price and amenities. You can find duplexes, single-family homes, townhomes, condos, and (fingers-crossed) your dream home! When buying a house in Des Moines, consider the home's location in relation to your everyday activities. If you can, drive the route you'd take from the house to your school, office, and favorite hangout spot. Your house's location will affect everything, from your morning routine to how you spend your evenings. Exploring Des Moines will also help you get a feel for how homes in east Des Moines differ from west Des Moines, where to find Des Moines's most popular attractions, and what the neighborhoods are like.

You're ready to buy a house in Des Moines, but is your bank account? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We think the dream of homeownership should never fade and work to make every stage of the journey more enjoyable and less worrisome. It doesn't matter whether you want to buy a home in Iowa or somewhere else entirely. We help new and experienced homeowners alike. Walk through the following steps to help you see if you're in a good financial position to buy a house in Des Moines.

First, estimate how much house you can afford. This will help you narrow your search when house hunting in Des Moines. Next, jot down your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). It's okay if these numbers are educated guesses. Searching the web for Des Moines averages will usually give you a solid estimate, though everyone's situation is different. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Next, figure out what a realistic down payment would be for you. Putting at least 20% down will increase your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). However, down payment requirements can differ depending on the loan type. This is where getting prequalified for a mortgage comes in handy. Prequalification points you in the right direction as far as how much you may be eligible to borrow. Also, take a good look at your credit. Credit history is an important part of your mortgage application. The healthier your credit is, the more mortgage options you may have open to you— and more options are always good!

It's Go Time! Buy a House in Des Moines, IA

Moving remains one of the biggest stressors, despite being a practically universal experience. But when you get to live in a stellar city like Des Moines, moving doesn't seem so challenging. Contact Mr. Cooper as you get ready to buy a house in Des Moines. We're here to help you along the way and Mr. Cooper® Real Estate Rewards can even connect you with a top-performing real estate agent who can potentially save you thousands.*

Mr. Cooper Reviews from Real Customers in Des Moines, IA

Read real stories from real Mr. Cooper home buyers and sellers in Des Moines, IA. Then contact us to see what we can do for you.

Simplify the home buying or selling process in Des Moines with Mr. Cooper.

Mr. Cooper works to save buyers and sellers money at every stage of their journey, from real estate commissions to closing costs.